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Retiree Corner
Nov 14, 2018

After the Mid-Term Elections Continue to Use Your Voice for What's Next

(This article first appeared in the November/December 2018 issue of the American Postal Worker magazine) 

By Retirees Department Director Nancy Olumekor

There is still work we must do to protect our federal pension, benefits and the Postal Service on behalf of retirees. The Social Security Fairness Act (HR.1205 and S.915), along with the Social Security Expansion Act (S.427) are needed legislation. There are still millions of Civil Service Retirement System (CSRS) annuitants watching and waiting for Congress to pass legislation to repeal the Windfall Elimination Provision (WPO) and Government Pension Offset (GPO) in order to provide us with a fair return on our investment in the Social Security system.

Many CSRS annuitants worked other jobs, second jobs and sometimes third jobs in order to increase their Social Security benefits. We worked and contributed to the Social Security system at the same percentage as other non-CSRS employees who contributed to Social Security yet we are denied an equitable benefit for those contributions.

I have included a few excerpts from the “Frequently Asked Questions About Social Security” by SocialSecurityWorks.Org on the subject “Strengthen Social Security…don’t cut it.”

  • “For most Americans, Social Security is essential for retirement. Just over 3 in 5 seniors rely on Social Security benefits for most of their income.
  • Americans have traditionally relied on the ‘threelegged stool’ – Social Security, employer pensions, and personal savings (including home equity) – to have sufficient income for retirement. For many, Social Security is the only stable leg of the ‘threelegged stool.’
  • “Social Security’s revenue was about $957 billion in 2016 – 87 percent of which was from workers’ and employers’ contributions on wages up to $127,200 a year.
  • “Social Security’s benefits are modest, but vital, averaging around $15,000 per year.
  • “Social Security lifts 22.1 million Americans out of poverty. Without it, the poverty rate of our seniors would be nearly 41 percent; instead, it is just under 9 percent.
  • “Social Security can never go bankrupt. Nearly all of its income, 97 percent, comes from the contributions of workers and employers, or interest on these contributions.
  • “It is projected that even if Congress took no action, Social Security could pay 100 percent of promised benefits until at least 2034.”

We must continue to use our voices to let to Congress know we expect them to be committed to protecting our hard-earned benefits – our federal pension (CSRS or FERS [Federal Employees Retirement System]), Social Security, Medicarehealth insurance and life insurance. We also expect them to protect and preserve the public Postal Service. Continue to write letters or postcards and call Capitol Hill at 1-202-224-3121, or use the APWU line 1-844-402-1001, to speak to your member of Congress. Remind them that these are our paramount issues as postal retirees, senior citizens and postal workers.

2019 CSRS and Social Secuity COLA Increase Largest in 7 Years

The 2019 cost-of-living adjustment (COLA) to Civil Service Retirement System (CSRS) annuitants and Social Security benefits will be 2.8 percent. The 2019 COLA for those covered in the Federal Employees Retirement System (FERS) will be 2 percent.

Saying Thank You!

As we enter the season of gratitude and giving thanks I want to first thank all of all our Veterans and all of our active military personnel for their service. We also give thanks and share our blessings in other ways. Retirees can now make contributions to the Combined Federal Campaign (CFC) using their annuity, credit card, or ACH from their bank account. Consider contributing to the Postal Employee Relief Fund (PERF) using Code 10268. Visit the CFC Donor Pledge System at for more information or to obtain forms and mail then directly to the CFC Processing Center address listed on the form, postmarked, no later than January 11, 2019. Direct your questions to CFC Customer Support at 800-797-0098.

Jun 07, 2018

How You Can Engage at Every Age

(This article first appeared in the May-June 2018 issue of The American Postal Worker magazine) 

By Retirees Director Nancy Olumekor

Every May, the Administration on Aging, part of the Administration for Community Living, leads our nation’s observance of Older American’s Month. The 2018 theme, Engage at Every Age, emphasizes that we are never too old (or too young) to take part in activities that can enrich your physical, mental and emotional well-being and celebrates the many ways older adults make a difference in our communities. 

Participating in activities that promote mental and physical wellness, offering our wisdom and experience to the next generation, seeking the mentorship of someone with more life experience than us – those are just a few examples of what being engaged can mean.

No matter where we are in our life, there is no better time than now to join in and Engage at Every Age in our local, our chapter and our community.

APWU retirees are still Fighting Today for a Better Tomorrow. This year, retirees can sign-up and join Contract Action Teams (CATs) in our APWU locals or states. CATs are the principal method of informing and mobilizing members and winning community support for our struggle to secure better postal services and good jobs. There are many opportunities – and much need – for retiree members to get involved. As part of your state or local CAT, you will educate, motivate, mentor and organize members and the community by conducting outreach to potential allies beyond the Postal Service.

You’ll explain why their support is needed, organize and share information through various methods on upcoming activities to publicize the issues, and develop new ideas for building support for APWU goals.

Another way you can Engage at Every Age is to make sure you are registered to vote and your chapter members, family, friends and neighbors are registered voters. Then we must educate ourselves and others on crucial legislative issues, and when necessary, persuade allies to vote for representatives who support issues of importance for retirees, as well as working families.

May 22, 2018

Even when retired the struggle continues

by Scott Morrow, DMAL Retiree Chapter President

            As the President of the only retiree chapter chartered by the American Postal Workers Union (APWU) in the great state of Colorado, there is a requirement to work closely with the Denver Metro Area Local (DMAL) of the APWU.  That includes the officers and executive board (EB).  Without the local’s support there would be NO Retiree Chapter.  Our membership is grateful for the support we have received over the past years.

            With the local’s support we continously struggle against the RepubliCon’s who intend to take everything from us and give it to the economic royalists.  For example, most recently a tax scam was passed that will add at least $1.5 TRILLION to the US debt that has now surpassed $21,000,000,000,000!  Debt and deficits just don’t matter under the dark side’s administration thereof.  But wait, there’s more…. They are now planning how to cut Social Security, FERS, CSRS and Medicare benefits because predicitibly, the debt is now soaring.  Doesn’t matter to them that none of these programs are on budget or causing a single penny of the deficit spending because we prepaid our benefits over decades of work out of every single pay check.  Thus why, for example, the social security trust fund has about $3 Trillion in surplus funds by purchasing the most sought after investment vehicle in the world, USA Treasury Bonds.

            The Chapter also struggles on a daily basis to get a voice and a vote in the local’s deliberations and at the National Convention.  Under the national constitution and bylaws, Retirees get five, count them, five delegates to the National Convention out of thousands who attend.  The APWU and local constitutions only allow our retirees to have a voice and/or vote if such retiree pays a years worth of FULL dues, amounting to a nearly $700 annual poll tax, on any retitree wanting full involvement with their democratic union.

            The Chapter has tried on a few occasions to change the local constitution to allow one or two retirees to attend the National Convention, with voice and vote at NO expense to the DMAL membership.  We proposed sending a couple of the 75 delegates the local is entitled to from the Retiree Chapter with the Chapter Treasury picking up the tab for the travel, lodging, etc.

            When that proposal hit the floor with a thud at an Executive Board Meeting, we attended to present our proposed changes, we adapted and our membership authorized us to offer up: 1. that we would pick up the tab for the expenses and 2. pay a full year of DMAL dues for each delegate certified for the national convention.

That proposal was also unceremoniously shot down by the DMAL Executive Board because the local constitution while giving the Executive Board full authority to place the proposed change before the DMAL membership, also provides for a petitioning process to get the proposal before the members.  Our Executive Board preferred the Chapter follow those constitutional provisions.

That decision requires the Chapter to get five full dues paying members of the DMAL to sign the latest proposed changes for submission to the DMAL Constitution Committee, no later than August 12, 2018.   We are currently working on getting a voice and vote for a single (or two) Retiree Chapter members via a change to the DMAL Constitution and Bylaws.  If you are asked to sign the proposed change, please help us in our struggle for participation in the DMAL democratic process.

Another example of our struggles with our great DMAL/APWU concerns freedom of the press, aka Mountaineer.  One of our Chapter Brothers, Garland Lewis, is a published author!  His request to pay the DMAL funds to advertise his book in the Mountaineer was outright rejected by the DMAL Executive Board.  I find it understandable that the Executive Board would try to censor his book since it has a couple sentences in the entire volume of criticism about DMAL and one of its current Executive Board Officers.

However, our DMAL is a democratic organization built upon a foundation of transparency and freedom of expression, at EVERY level.  In fact, every member of DMAL is covered by a Bill of Rights, of which, number five says, “Every member has a right to freedom of the press”. 

But wait you say, Brother Lewis is not technically a member of the DMAL because he doesn’t or has not paid the full year of dues.  Well, there you go, a perfect example of the DMAL retiree’s struggle for access to not only the DMAL democratic processes, but also something as fundamental as the Bill of Rights!

It would also be easy to argue that an advertisement in the Mountaineer is NOT part of a member’s unambiguous and unadulterated right to freedom of the press.  So be it, if so, yet shouldn’t we all strive for the complete inclusion of our retirees who have paid tens of thousands of dollars in dues over the course of their working careers?

Many would answer no, while some say yes.  That is what promulgates the struggle, the democratic process itself!  However, hear this, it will not be long, as in just a few years down the road, that retiree’s will outnumber actual working APWU members.  If the full dues paying membership continues their seemingly anti retiree conduct at that point, I will be the first to scream from the rooftops, a minority group is calling all the shots in our allegedly democratic institution or in other words, “Apartheid”.

Feb 13, 2018

Oligarchy Is The New Fascism

by Scott Morrow, President DMAL Retiree Chapter   

Since the Reagan war on Unions and workers, democracy in the workplace has declined from around one third of ALL American Jobs to less than seven percent today.  Many American employers take full advantage of this by hiring their workers at a minimum wage that has the purchasing power of about one third of what my first job did back in the 1960’s era when Unions were strong and growing.  In fact, a Republican President of the United States (POTUS) bragged in 1956 about how they had been successful in increasing Union shops in America.  Unions tend to lift all wage earners thereby creating a minimum wage for me in my first job equivalent to about $22 an hour today after being adjusted for inflation.

As the Oligarchs have decimated the Unions, a race to the bottom has been in full swing now for at least 30 years.  As we have evolved from a country with a liberal middle class to one where the corporations have bought and paid for most of our representatives we resemble the fascists of old.

The infamous dictator who coined the term “fascism” was none other than Mussolini.    As the leader of the National Fascist Party, he ruled the country as Prime Minister from 1922 to 1943—constitutionally until 1925, when he dropped all pretense of democracy and set up a legal dictatorship.  In this fascist world, ALL elected parliament members were dismissed and replaced by the corporate masters of the time.  Sound familiar?

Today our Federal Government exists through a legalized system of bribery, politicians receive bribes from wealthy donors in return for writing the laws to their liking, and then those politicians are rewarded with high paying jobs when they retire or lose an election.   Large majorities of Americans oppose much of the legislation passed by Congress and their State Governments.

For example, in the recent attempt by the Republican dominated Congress to repeal the Patient Protection and Affordable Care Act (PPACA) also known as Obamacare and throw tens of millions off any care what so ever, 64% of Americans opposed the legislation, yet it almost passed!  A majority of members of the Republicans’ own party opposed the bill labeled repeal and replace but in actuality, a stealth tax cut bill for the rich.

While we do not have the same exact situation as the Italians did back in 1922, our current POTUS had filled his cabinet with multi-millionaires and billionaire’s!  None of them were ever workers, almost all of them like POTUS, born into economic royalty and permanent members of the American Oligarchy.  Of course, they who have bought much of Congress want laws to enhance their personal wealth and well-being.  Of course, they are uncomfortable paying an additional 3.6% on their “unearned” income to finance the PPACA.

Right now, the Denver Metro Retiree Chapter is fighting hard to overcome the FIVE HUNDRED billion dollars just stolen from Medicare (funds ALL came from payroll checks and benefits have been pre-paid by those 65 or older) and the Trillion dollars just stolen from Medicaid by the Republican budget passed by both houses in Congress.  Medicaid pays well over half of all long-term care in “Nursing Homes” and other assisted living arrangements for the elderly.  What will these vulnerable people do now?  What will their children do to compensate for this loss of funding?

Now we face the Republican tax cut plan that will rob many more trillions from retirees, hungry children, the sick and the disabled.  As I write, it is estimated the tax cut for mostly the top 1% of Americans will add over Five trillion dollars to the debt and deficits.  40% of these tax cuts by the fascists will go to FOREIGN investors who now own over one seventh of all property in the United States due to our bludgeoning trade deficits.  Sending our good union jobs overseas has dire economic consequences.  Please do not believe for even a minute this so-called tax cut will benefit you.  It is designed for just one purpose and that is to turn over all political power to the fascists of the American Oligarchy. It is designed to redistribute the few crumbs left for the least among us up to the economic royalists.  They must have it all.  Nothing will ever be enough for these folks.

Please call your Congressional representatives often to express your opposition to taking from you to give to those who simply do not need any more.  If you are thinking this would be a waste of your time remember that there are a few hundred American’s buying congress while there are hundreds of millions of us who only need to raise our voices to turn the tide.

Feb 13, 2018

The Republican's Are Stealing From You!

by Scott Morrow, President DMAL Retiree Chapter

From the perspective on a Retiree Chapter President, things have gone horribly for retired workers since January of 2017.  On the bright side, we fought hard and kept the RepubliCON’s 60th attempt to repeal the PPACA and Medicaid, as we know it, from passing in the Senate.  Certainly Retirees and Postal workers will be literally hurt by the scuttling of the clean water rules (executive order [EO] 02/18/17) substantially increasing the mercury and arsenic in our drinking and bathing water. Elimination of the clean power plan that would reduce the 50,000 deaths annually from polluters (EO; 03/28/17). Anyone else who eats wild Alaskan Salmon to avoid the mercury and other pollutants in most fish will lose that under the Trump America-First Offshore Energy Strategy (EO, 04/28/17)"Promoting Free Speech and Religious Liberty" and "Establishment of the Presidential Commission on Election Integrity" are both Con’s from the Republicon’s to make it harder for retirees to vote and easier for churches to buy elections (EO’s, April and July 2017).  The commission has already closed down because they just could not find anyone committing voter fraud except the handful of Trump supporters who voted twice in 2016.  “Restoring State, Tribal, and Local Law Enforcement’s Access to Life-Saving Equipment and Resources” puts more military weapons of war on our streets to suppress protests that affects all of us (EO; 08/28/17).  “Revocation of Executive Order Creating Labor-Management Forums” directly negatively affects workers and could contravene Union contracts requiring such forums.  (EO; 09/29/17) 

Last December, under a new rule proposed by the Trump Department of Labor, restaurants can take servers' tips and "pool" them in order to disperse some to dishwashers, bussers, etc.: but it does not actually require them to do so, and, instead, allows employers to pocket some or all of the wait-staff's tips. 

On Dec. 15, 2017, the Trump National labor Relations Board (NLRB) announced in PCC Structurals Inc. that it would expressly overrule its own precedent form their 2011 decision in Specialty Healthcare & Rehabilitation Center of Mobile.  In Specialty Healthcare, the NLRB had replaced these factors and created a presumption that favored the unit description submitted by the union absent an “overwhelming community of interest” with other excluded employees.  One day earlier, in Hy-Brand Industrial Contractors Ltd., the Trump NLRB overruled its 2015 Browning-Ferris decision on joint employer status and returned to the joint employer standard the NLRB applied for decades prior to that decision.  In Bowning-Ferris, the Obama NLRB had made it easier for unions to bargain with joint employers regarding hiring, firing, discipline, supervision, and direction.  On Dec. 14, 2017, the Trump NLRB discarded the Lutheran Heritage Village-Livonia standard for determining whether facially neutral work rules might violate the National Labor Relations Act if “employees would reasonably construe the language to prohibit Section 7 activity.”  These three changes drastically hurt workers and especially UNION workers.

From the perspective of a person who loves freedom, equality and the American Way the insane administration has entered in all-out war against such values. Revocation of Federal Contracting Executive Orders in March of 2017 to allow discrimination against employees based on sexual orientation or identity,   The nomination of Mick Mulvaney to both the Office of Personnel Management (OPM) and the Consumer Financial Protection Bureau (CFPB) is a disaster.  His first act at CFPB was to kill the rule that would have required your retirement planner to work in your best interests instead of theirs!  In addition, his second act was to request ZERO dollars for the CFPB budget wiping out protections from the vulture banksters for workers and retirees.   OPM now takes twice as long to process requests from APWU members and retirees. 

This list goes on and on but I would be remiss leaving out the latest, greatest RepubliCon tax scam.  Yes, Union Workers and many APWU retirees WILL see a modest tax cut at least temporarily.  For example, the single largest expenditure for retirees is sickness care what with lifesaving m3dications alone inflating 5000% in many cases.  On schedule A, itemized deductions, they can now deduct those out of pocket expenses above 7.5% of their AGI or line 38 of Internal Revenue Service (IRS) form 1040 for the next two years and then that goes UP TO 10% until completely phased out by 2027.  All of you getting the pittance of tax relief will see your tax cut expire completely by 2027 and most of you will have any cut consumed by your contractual COLA pay increases within a few years.   Meantime, one set of brothers, David and Charles Koch will see an annual tax cut of around $1,200,000,000! 

The dire consequences of such con jobs is that negotiations will be much more challenging for APWU and now the RepubliCON’s are planning cuts to Medicare and Social Security (Pre-paid out of every pay check for decades) after they demolish the PPACA and Medicaid.  Many APWU members are able to get Medicaid to pay for their parents or grandparents stays in assisted living homes, as do some of our current retirees.  Either these elderly will be thrown out into the street or the costs to stay in the facility will explode when Medicaid doesn’t pick up over half the tab as they do now. 

Meantime, for those of you duped by the “deficit” and debt” scams it is no surprise that the Republicon’s usually double or triple the debt when they control power while screaming about it when democratic party members control the power.  For anyone interested in the facts do a search on Jude Wanniski and the “Two Santa Claus” scam the RepubliCON’s have been peddling since Ronnie Raygun took office.  This administration and the 115th Congress have manufactured over a trillion more dollars in deficits with the tax scam and another trillion dollars to manufacturer MORE THERMO-NUCLEAR warheads!

My writings have continuously focused on the fact that elections have consequences.  Please avoid being part of the 100,000,000 American’s who felt their vote didn’t count in 2016 and plan on voting November 6th for candidates that support you, your family, your Union, USPS and retirees.  Thanks!


Feb 06, 2018

Active or Retiree? Play an Important Role in 2018!

(This article first appeared in the January-February 2018 issue of the American Postal Worker magazine)

By Executive Vice President Debby Szeredy 



As we go into the New Year, I’d like to remind our members how important our retirees are to our future. Our country has become a war zone and we must unite as strong activists, whether you are a retiree or an active postal worker. We can choose to participate, or we can sit back comfortably in our homes, guaranteed to lose our rights and our livelihoods.  

Local and state organizations need to look to our retirees as a vital part of our union. They should share resources with retirees and encourage more chapters to be formed. Retirees are our family and are our activist backbone, who fought to preserve the worker protections we have today. We are all in this battle together. 

Built the Union

Today’s retirees helped build the American Postal Workers Union. During the 1970s and 1980s, they were staunch defenders of the union, many taking part in the Great Postal Strike of 1970. Thousands served as both negotiators and stewards, representing workers on the job and securing the benefits we have today.

As young postal workers, our retirees were not willing to be fired at will, segregated by color, or denied safety and health provisions, wage increases and collective bargaining rights. As young workers, many fought in the Vietnam War, marched for the equal rights amendment, supported better worker protections and became active in their unions. Gains become a reality when workers participate.

Today, we see a government that is actively cutting workers’ rights with a vengeance. Those brave young workers, who are now retirees, are also affected by the proposed cuts, especially to health care and retirement benefits.

Wealth of Knowledge and Experience

There is a place in every local for retirees. They are great mentors and can help provide training and give valuable advice to workers. There are many local officers who are retired or will be retiring soon, and they would like to see new workers step up into union leadership positions.

Retirees can also help with the contract campaign and anti-consolidation activities, as well as build relationships with elected officials. They can reach other organizations that can become part of A Grand Alliance to Save Our Public Postal Service. One of the primary reasons the Stop Staples campaign was so successful was because of the countless hours worked by dedicated retirees across the country.

Only when we stand and act together in solidarity, can we grow. We must fight to keep the Postal Service vibrant and serving our community with equal access to affordable, prompt, postal services.

We must protect our rights as workers. We are at a serious place in history and every member must get involved now. We cannot win this battle without large numbers of people acting together.

Let’s make 2018 the year that all postal workers, retirees and our communities come together, Fighting Today for a Better Tomorrow. 

Nov 06, 2017


by Scott Morrow, DMAL Retiree Chapter President

It all started with a fantastic catered dinner sponsored by the Denver Metro Area Local of the American Postal Workers Union (DMAL,APWU).  The elected Director of Human Resources at the time, Phil Desautels, did much of the work behind the scenes with support from the DMAL President, John Ancona and the Executive Board.  Everyone joining in on the festivities that evening were interested in establishing a Retiree Chapter chartered by APWU.  A chairperson was nominated and elected at the dinner to start the certification and application process for a DMAL Retiree Chapter. 

You too can form a retiree chapter.  The first step is a several page instruction sheet from the APWU Director of the Retirees.  A constitution and bylaws for your chapter must be written up and presented to a meeting of retirees paying the $36 a year, for ratification.     

The APWU “rebates” about 40% of your $3 each month to the chartered chapter.  Do the math and see that there are funds to do informational mailings and to send delegates to retiree conferences. Your leadership likely will receive no compensation, as all work with every chapter on APWU’s books is voluntary.  

Under the APWU national constitution, the chapter’s mission is political action to contact and vote for local, state and federal representatives who share your concerns as retirees in America.  To help those who support our pensions, our social security, our Medicare and other health care access, our environment and our cost of living increases.  You can band together to admonish those who would make your lives harder and more uncomfortable that retirees are a force and are engaged in the political process.

After all, it is only through working together in an organized fashion that we have any chance of the golden years we worked for, prepaid and deserve.  The forces of darkness are constantly looking for ways to take from us so that they can have even more.   The good news is that there are hundreds and hundreds of millions of us and only a few hundred of them.  Of course, also in the good news category is that active retirees can move mountains in the political arena.

Meantime, until you decide to and work towards forming your own APWU chartered retiree chapter, ANY retired APWU member in Colorado paying the three bucks a month or $36 annually can join the Denver Metro Retiree Chapter (DMRC).  Up here in Leadville, my neighbor across the street who worked at the Vail Post Office is a full member of the DMRC.  Simply by providing your CSA# to the office manager at the Denver Metro Area Local (DMAL) of the APWU you can enroll as a retiree member! 

If you retired from a different local that has no chapter yet, simply write a letter to Nancy Olumekor, APWU Retirees Director, stating you wish to be designated as a DMRC member and you can join us in our work to save our benefits and pay.  We also need your help to repeal legislation like the Windfall Elimination Provision that robs some of our members of their full social security benefits.

Contacts to join the ONLY retiree chapter in Colorado:

Scott Morrow, President; 303 915 8012

(please leave a message with your name, number and retiree status)


Rita Burns, DMAL Office Manager

303 365-1524 ext. 11 


Nancy Olumekor, APWU Director of Retirees

(202) 842-8584 or write her at:

1300 L Street NW
Washington DC 20005

All of us at the DMRC look forward to your membership, help and activity.  Our struggle continues every day so we really need you on board.

Sep 13, 2017

TSP - It's Your Money!

(This article first appeared in the Sept-Oct 2017 issue of thAmerican Postal Worker magazine)

By Retirees Director Nancy Olumekor

The USPS reports that each year postal employees throw away almost $200 million in retirement benefit matching funds by failing to save in their Thrift Savings Plan (TSP).

It is never too early or too late to start planning for retirement. You need to be clear about what you want your “golden years” to look like.

If you are a Federal Employee Retirement System employee, by putting just five percent of your income into your TSP, the Postal Service will match the amount you contribute with an additional five percent. That means you’ll have twice as much going into your TSP as you originally contributed. Plus, you could benefit from lower taxes on your current income. Can’t afford five percent? Every dollar makes a difference.

Investing in the TSP is easy. It is made up of five core funds that you can mix and match. Or, if you aren’t sure which funds to choose, you can invest in a Lifecycle fund that is professionally designed based on when you’ll need your money.

An employee earning $50,000 per year who contributes five percent to their TSP – about $95 per paycheck – and earns an average annual rate of return of six percent, can potentially have a TSP account worth nearly $420,000 after 30 years.

Time is your biggest ally when it comes to the growth of your TSP account, so starting early and saving consistently can make a tremendous difference.

If you need to, go smaller and deposit $20 a week, which is only approximately $1,000 out of your paycheck each year.

You can make or change TSP contributions at any time. For more information on TSP and your investment options, visit

Consistent and early savings can be the difference between a comfortable retirement and a difficult one. It is never too early or too late to save.

Jan 07, 2015

Postal Retirement Benefits

The APWU and other federal unions have worked with Congress for many decades to ensure retirement income security for employees who spend their careers in government service.

Today, most postal employees are eligible to participate in one of two federal retirement benefit programs:

The Civil Service Retirement System (CSRS), which provides benefits for most workers hired before 1984.

The Federal Employee Retirement System (FERS), which covers all workers hired after 1984.

Though FERS pays a smaller monthly benefit than CSRS, FERS retirees also receive Social Security and Thrift Savings Plan payments.

Whichever plan you are enrolled in, your retirement benefits are administered by the U.S. Office of Personnel Management (OPM).

Regardless of how many more years you may work before retirement, it's a good idea to understand all the benefits you earn and to plan early.

For complete information about the CSRS and FERS, visit OPM's Federal Retirement Programs Web site,, or visit your USPS personnel office.

Jan 06, 2015

Medicare Enrollment

General enrollment in Medicare is open from Jan. 1 through March 31, but don’t confuse the general enrollment period with your eligibility enrollment period: You are eligible to enroll in Medicare three months before you turn 65, the month of your 65th birthday, and three months after the month you turn 65.

You will be penalized if you enroll outside of your eligibility period and your options to enroll will be limited.

If you miss your eligibility window, you may sign up only during the general enrollment period at the beginning of the year, with few exceptions. And, if Social Security records reflect that you have enrolled late, you will be required to pay a penalty in addition to the monthly premium. The penalty for enrolling late is 10 percent for each year you delay enrollment in Medicare Part B.

For most USPS retirees, the premium for Medicare Part B for 2015 is $104.90. Medicare B covers medically-necessary services from doctors and other health care providers, ambulance services, outpatient care, home health care, and some preventative services. For a complete list of covered services, visit

Medicare Part A covers hospitalization and it’s free because you paid for it while you worked for the Postal Service. You are eligible for Medicare Part A if you are over 65, under 65 with certain disabilities, or currently receiving Social Security benefits. If you are covered by the Federal Employees Health Benefits Plan (FEHBP) you will not be penalized if you sign-up for Medicare Part A after age 65.

The questions asked most frequently about Medicare are:

How do I enroll? - You can sign up for Medicare by visiting your local Social Security office or by completing an online application at You may also call to request an appointment to enroll by phone by calling 1-800-772-1213; TTY/TDD: 1-877-486-2048.

How do I make the payment for Medicare Part B? - There is a range of options for paying Medicare premiums. You may pay by automatic bill payment through your bank account (also known as Medicare Easy Pay), by check, or the payments may be withheld from your Social Security or annuity benefit. Be clear with Social Security on the payment method you select to avoid a delay in processing your first payments.

Should I keep my Federal Employee Health Benefits Plan and enroll in Medicare Parts A and B as well? - That’s a personal decision; when weighing your options, you should consider your usage of medical services, your ability to pay, and the penalty for enrolling late in Medicare Part B. When you retain your FEHB Plan and enroll in Medicare A and B, Medicare will be your primary payer and your FEHB Plan will cover most of the difference. APWU retirees who are in the APWU Health Plan have expressed appreciation for having both Medicare and our health plan. If you have a FEHB plan other than APWU, you should contact your FEHB plan for advice.

When does Medicare take effect? The date coverage begins depends on when you enrolled. If you enrolled during your 65th birthday enrollment period, coverage starts the first day of your birth month, unless your birthday is on the first day of the month; if your birthday is on the first day of the month, the coverage starts on the prior month. If you enrolled the month after your 65th, there is a delay of one month for each month you delay in getting coverage after turning 65. For example, if you wait one month after your birth month to sign up, coverage will start two months after you sign up. Finally, if you sign up during the general enrollment period, coverage starts on July 1 of that year.

For more information about Medicare, call 1-800-772-1213 or visit

Jan 08, 2014

About the APWU Retirees Department

The APWU Retirees Department is the voice of retired APWU members — within the union and on Capitol Hill.

Retirees helped build the union as we fought for — and won — better wages, improved benefits, and the right to be treated with dignity and respect.

Now, the union fights for retirees as Congress makes budget and policy decisions that affect our pensions and healthcare coverage, and that impact our lives in a profound way. The Retirees Department seeks to organize retired APWU members to join in these struggles.

The department also provides members with opportunities to see old friends — and make new ones— by participating in the activities of APWU Retiree Chapters and other union events.

The APWU Retirees Department was established in 1992 by delegates to the union’s 11th Biennial National Convention. Our goal was to bring retirees back into the union family while advancing the objectives of retired and active union members. The creation of the department required the passage of an amendment to the APWU Constitution and Bylaws, approved by more than two-thirds of voting delegates.

At subsequent conventions, delegates amended the constitution to strengthen the voice of retirees in union affairs, voting to allow retirees to elect five regional Retirees National Convention Delegates; to improve funding of retiree chapters, and to allow members of the APWU Retirees Department to elect the department director, beginning with the 2007 election of national officers.

Currently, there are more than 80,000 APWU Retirees Department members, 39local Retiree chapters, and four state chapters.

Jul 07, 2011
Jul 07, 2011
Retirement Annuity Calculation Use one of the worksheets below to develop an estimation of your retirement annuity.

Page Last Updated: Nov 14, 2018 (07:53:09)
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